Why didn't I receive the debit message after the first repayment of my mortgage?

The reasons why I didn't receive the SMS on the first day of mortgage deduction are as follows:

1. If the banking system is delayed, you can check at the bank counter with your ID card.

2. There may be no short message service, and only when the short message service for mortgage repayment is opened will the short message prompt be displayed. Borrowers can go to the bank to open SMS service.

: Bank loan process

1. Borrower's application for loan: when filling in the loan application form, basic information such as loan purpose, loan amount, personal property status (enterprise: company operation status), service period, selected loan type, collateral, repayment ability, etc. It should be explained.

2. Submission of loan information: here, relevant information is mainly submitted according to the loan type and the requirements of the bank, including the borrower's certificate information, income proof information, credit status information, collateral information and guarantee information. Loan use information, etc.

3. The bank conducts loan investigation: After receiving the application, the bank begins to conduct a basic investigation on the borrower's loan situation. In principle, it depends on the borrower's willingness and ability to repay, and on this basis, the loan risk is evaluated. And whether the financing industry involved meets the national requirements.

4. Handling relevant formalities: This mainly means that mortgage loans need to go through the formalities of collateral value evaluation, which is evaluated by an evaluation agency recognized by the bank, which will issue a value evaluation report and submit it to the bank for approval.

5. After approval, sign the contract face to face: after approval, the loan can be signed after the bank has sufficient funds and the approval of the corresponding bank management department. If it is a mortgage loan, you need to go through the relevant mortgage registration procedures.

6. When the general credit line is sufficient, banks will lend faster. But when the credit line is tight, we must wait patiently. How long does it usually take to approve a bank mortgage? The approval time varies from bank to bank and from time to time. For example, ICBC's mortgage approval time is generally 2-3 weeks, and 2-3 months is also acceptable when it is slow. The specific time is related to whether the submitted materials are complete, whether the bank loan amount is sufficient, and the policy at that time.